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Important information and policy declaration

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Please tick the box below to indicate you have read and understood the Combined Financial Services Guide and Product Disclosure Statement in respect of this product and that you have read and agreed to the following Terms and Conditions.

General Exclusions and Pre-existing Conditions

The policy is subject to some general exclusions including pre-existing conditions. If a condition existed or occurred prior to the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – refer to your Product Disclosure Statement for more information and a detailed explanation of how general exclusions may affect your cover.

Commencement of your policy  

If your application is accepted by the insurer in writing, your policy will commence at 11:59pm (1 minute to midnight) on the commencement date selected by you. From that time, your pet is covered under the terms and conditions of the policy. 

If you are applying for a Basic, Standard, Comprehensive or Comprehensive Plus pet insurance policy: 

There is no waiting period after the commencement date of your first policy period for specified accidental injury items, except for cruciate ligament conditions. If you have selected the optional non-insurance routine care benefit, then there is no waiting period for the items listed under this benefit (see the Product Disclosure Statement (PDS) and your Certificate of Insurance (COI) for more information).

The waiting period for conditions under the policy’s illness cover section is 30 days from the commencement date of the first policy period. 

The waiting period for cruciate ligament conditions and any conditions arising therefrom irrespective of cause or origin is 6 months from the commencement date of the first policy period. The cruciate ligament waiting period may be waived on application – refer to the PDS for more information. 

If you are applying for an Indoor Cat policy:

The waiting period for specified conditions is 30 days from the commencement date of the first policy period. These conditions are: poisoning, ingestion of foreign objects, cancer, feline lower urinary tract disease, gastrointestinal problems, diabetes, hyperthyroidism, heart disease, outer and inner ear infections, arthritis and, renal disease. See the Indoor Cat PDS for more information.

If you have elected for the optional dental illness benefit, there is a 6 month waiting period from the commencement date of the first policy period. 

Cooling Off Period

If you are not satisfied with the policy, you may cancel it within 21 days from the policy’s commencement date or renewal date. Provided PetSure receives a request to cancel the policy within this period and you have not exercised any of your rights and powers under the policy (e.g. you have made a claim), any premiums received since commencement or renewal will be refunded less any reasonable administrative and other transaction costs incurred by PetSure including any taxes and duties which cannot be refunded.

General Advice Warning

Any advice provided is general only, has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. It is important that you carefully read the Combined Financial Services Guide and Product Disclosure Statement before deciding to buy  this product.

The Issuer and Promoter

This policy is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by Woolworths Group Limited ABN 88 000 014 675, AR 245476, an Authorised Representative of PetSure. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at insurance.everyday.com.au/pet-insurance.

Your duty to take reasonable care not to make a misrepresentation when you enter into the contract with us for the first time

Before you enter into this contract of insurance, you have a duty to take reasonable care not to make a misrepresentation. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.

If you are not sure of the answers to any of our questions, you should take the time to find them. It is also important to understand that, in answering the questions, you are answering for yourself and anyone else to whom the questions apply.

If any of our questions are not clear to you and you need help, please contact us. The duty to take reasonable care not to make a misrepresentation applies until the contract is entered into (or renewed, varied, extended or reinstated as applicable).

If you do not comply with your duty to take reasonable care not to make a misrepresentation

If you do not take reasonable care in answering our questions or inform us of changes to the information set out in your policy documentation, you may breach your duty. If that happens, your policy may be cancelled, or treated as if never existed, and any claim may be denied or not paid in full.

Your Premium  

This quote is for a new policy. There is no continuation of cover from any current or previous pet insurance policies you have held. 

Waiting periods will apply, and any pre-existing conditions that occurred prior to this new policy, will not be covered. After the applicable waiting period has been served, some pre-existing conditions that are temporary conditions which have not existed, occurred or shown noticeable signs, symptoms or an abnormality after an 18-month period will no longer be considered a pre-existing condition – refer to your Product Disclosure Statement for more information. 

Please contact us if you would like to continue having cover for conditions that were first noted and covered under a policy within the PetSure portfolio of brands. Please note that a policy with continued cover for conditions may be more expensive than the quote currently shown because it includes additional coverage you may be entitled to for existing conditions.

The amount payable by you will include the premium payable to the insurer, and all GST, stamp duty and other government taxes, fees and charges. This amount will be debited as agreed from the account you have nominated, which you have authorised PetSure to debit, if it agrees to issue the cover.

Your policy is set to renew automatically each year, for as long as we continue to provide this product, subject to the terms and conditions of the policy. However, you can opt-out of the automatic renewal process by contacting us. You should check your policy limits to see if your level of cover is still appropriate for you.

Your premiums will be collected by us directly from your nominated credit card or bank account. You should be aware that unless you tell us otherwise, your authority to debit this account/use this card also applies to renewals. If the credit card is not yours, you confirm you have the authority of the relevant person to use it and they have agreed to these terms.

Woolworths is paid a commission for promoting and arranging the sale of Everyday Pet Insurance policies on behalf of PetSure . For each policy sold after 1 July 2020, Woolworths will receive a commission of: 

- at least $115 plus indexation as per the consumer price index (CPI) for pets younger than 10 years, or 

-up to thirty percent (30%) of the net premium. 

The commission is calculated after any government taxes and charges. This commission is used by Woolworths to cover costs associated with the marketing and distribution of this product to you and costs associated with providing administration services, including set-up and operational costs, telecommunication charges and the costs associated with recruiting, training and engaging call centre consultants. This commission may also include any referral fees to people or organisations that refer new customers to Woolworths. 

Our consultants are paid an annual salary and may also qualify for a bonus of up to $5 per hour, dependent on their individual performance objectives. Such bonus payments are calculated based on pre-determined criteria including, amongst other things, the volume of sales and a consultant’s performance measured against agreed service levels. The payments made to consultants are not additional charges to you and are not in addition to the total premium you pay.

Privacy

Woolworths, and PetSure are committed to protecting your personal information and complying with Australian privacy laws. You can read about how we collect, use and disclose your personal information in our privacy policies. To obtain the latest version Woolworth’s Privacy Policy, please visit everydayinsurance.com.au. If you would like a copy of PetSure’s privacy policy, please visit  www.petsure.com.au.

Combined Financial Services Guide and Product Disclosure Statement 

Upon acceptance of your application a Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) will be sent to you within 5 days of your policy commencement date. You should carefully read these documents to ensure the product meets your needs. Finally, if you have any questions about your policy, please call us on 1300 101 234.

 

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I have read and accept the important information and policy declaration

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